Flood damage is typically not covered by standard homeowner’s insurance policies. Homeowners who live in areas prone to flooding need to purchase separate flood insurance to protect their property from flood-related damages. Flood insurance is generally offered through the National Flood Insurance Program (NFIP) and can cover both the structure of the home and personal belongings, depending on the policy.

Homeowner’s insurance typically covers damages from events like fire, windstorms, hail, theft, and vandalism. However, it excludes coverage for floods, earthquakes, and certain other natural disasters unless additional coverage is purchased. It’s important for homeowners to assess their risk of floods and decide if additional insurance is necessary to protect their property.